If you want to make a lot of money so you can retire early have you asked yourself what are your retiring to? Seems counterintuitive to save a lot money to catch up on compound interest if you find yourself stuck and unhappy now. Why don't you live a little you are already ahead of the game without ...

16 pages about getting a $5,000 watch, incredible. Looks like I spoiled the ending to myself because a couple of posts earlier I read that Petrocelli purchased the watch. Cheers Petrocelli, on your purchase. I always liked the Omega "Moon Watch" but I have settled down with a Seiko Sarb033...

Maybe or maybe not. For the most part I believe Warren Buffet stated his opinion but I know he is not going to give out all his secrets to the press but it could be a possibility. You gain a lot by having the right information.

I was offered their PremierHeat plan through my gas company National Grid. Basically if my boiler needs to be fixed HomeServe will come to fix it at no charge. I have 2 choices PremierHeat Plan - parts and labor coverage, Annual Payment 127.87 or Monthly $10.65 PremierHeat Plus Plan - parts and labe...

That is also assuming you still have a mortgage when you retire. For the beginner who wants to start investing with Vanguard and cannot meet the $3,000 minimum, STAR fund is your best choice. I had it until I exchanged it for Total International Index fund. I believe it is an all round good fund. So...

This is a great store and I have purchased many items from them. This is my go to store for anything camera or mac related. It is predominantly Jewish owned so their operating hours will be slightly different and they observe their important holy days which might affect your shipping speed if you or...

It seems like your not at the right mindset to be thinking about purchasing a property. You just ended a 7 year relationship, take it easy work and save your money. Wait a while and see if you will want a vacation property. You might change your mind and say you want your own home.

I switched to Charles Schwab. I love their site and their checking account. I live in NYC so whenever I have a check to deposit it takes about 3 to 4 days to clear which includes the time it takes for my check to get to their Orlando office. Schwab's only branch is located in Reno, Nevada. If you ne...

I use Personal Capital and I find it is a very good site to use to see all your accounts at once. I like the easy to read graphs. The informational may not be as complete as I want but if you just want to see the progress of your portfolio and how you use your money then this is the site for you. I ...

If you are saving for a down payment it is a good idea to put the money in a savings account or CD's. about 5 months ago PenFed offered 5 year cd's paying 3%. Watch for these opportunities, 5 year horizon is much too short to invest your money in a volatile stock market. If you were willing to wait ...

I will go based on what your requirements $50/person and food trucks included. Since you will be walking and taking the trains these are a few spots I recommend. Midtown between 59 St. and 46St along 6th Ave. The Halal Guys 53rd and 6th Ave. Best Halal food, you can get a platter for $6. Many people...

I recommend Ramit's I Will Teach You How To Be Rich. He makes personal finance a little more "hip" But you are probably the best teacher. If she isn't interested in her finances she will less be interested in any personal finance book you give her. Try to catch her interest, before she lea...

I just received a letter stating that there will be new funds added to my 401k. The changes will begin on 6/11 and it is managed by Fidelity. There are some active funds but the most notable additions are: Spartan Extended Market Index Fund - Advantage Class FSEVX (.07%) Vanguard FTSE All-World ex-U...

Frans you seem knowledgeable in investing. The good thing is your reading and asking questions, I was kind of skeptical myself. From my experience asset allocation, risk tolerance and costs are what matters at least that is what the bogleheads philosophy is all about. You need to be diversified, kno...

I did it for 6 years before I landed a day job. I worked only nights since I would go to college in the daytime. I know I can run a cleaning business and I would focus only on offices. Yes NYC business legislations is a byzantine mess but I believe I can do it. I don't expect to get rich from it but...

Thank you SeattleCPA for your generous assistance. I downloaded the documents and I believe they will be handy in the future. The start up costs are a bit high since I am just starting. According to the information an LLC is worth it if I am able to make as much as what I am making as a salaried wor...

Hello everyone, I want to start a side gig cleaning offices part time. I want to set up as sole proprietorship but I'm stuck in filling out the proper paperwork. I went to the small business links in nyc.gov but I was left confused. Can anyone tell me what forms must I fill? Thank you.

That is the thing, everything is tightly controlled. I'm not a fan of getting old software for security reasons. Copies are hard to come by. Even if you get a cd with the restrictions off you have to disable the update feature if you want to continue using it. I'll save myself the headaches and just...

If it helps I bought an Epson Workforce 3530 for $119 which replaced a 4 year old Canon Pixma Printer. According to the specs you should be able to scan to pdf and it has 2 trays to hold paper. You have the option to purchase high yield ink. I wanted to save money on ink so this is my first Epson bu...

Just got a couple of PenFed CD's. 3% is the best deal I have seen in years. I bought some yesterday because I was afraid it would end today. If I remember correctly the person I talked to told me PenFed will continue to offer 3% 5yr CD until the end of January.

Thank you for your reply, I understand there is no right answer, 5 years is a long time and anything can happen in 5 years but I forgot that you can pretty much break the CD when you need the money. I want to stick to it till the end I figure $4600 should be safe I don't think these rates will stay ...

I have about $7000 in Allybank. I would like to take advantage of PenFed's 3% 5yr CD but I don't know how much to set aside. The money is my emergency fund. I think I don't mind locking away a little over half of the money since I am still putting money into this account. Any suggestions on the righ...

at least for her Roth start with 1 fund. I started with the STAR fund which has a $1000 min. It is a pretty good fund at least for a beginner. When her balance is big enough then you can rethink your asset allocation. 2 years ago I was a beginner. I had a 401k with 2 funds, then I opened a Roth IRA ...

My question: Is it wise to buy ibonds in $1,000 increments and make a ladder out of it? I have about $6,000 in emergency funds. Saving rates are low, I figured I should at least preserve it from inflation. If I were to purchase ibonds I would start once I hit $10,000. CD ladders I have heard of but ...

My brother and I want to go on a road trip for a week, but we need help in finding good destinations. We are are open to any area in New England, Upstate New York and as far south as Virginia Beach. We want to explore nature. Thank you for your input.

I shave like my grandpa. Some say it is time consuming but I enjoy it. It is the cheapest way for me to shave. I used to use Mach 3 blades but I stopped because it was way to expensive. Last summer I purchased a pack of 100 Derby DE blades for $10, it has been a year now and I still have blades to l...

Maybe if he can find a side job or create a business he would enjoy similar to construction. He has been doing it since he was 19. There are many people who would love a carpenter they can trust, I know I would. I would imagine the salary he would make doing a side business in the weekends would be ...

I'm from Brooklyn, I work most of the time on 54 St in the West side. I would definetly be interested. If I may suggest, we can pick a concourse level where we may gather. I think the Citicorp building @ 53rd St has a concourse level or maybe at Sony. Weeknights work for me.

For the OP to move to another country would be the most extreme decision. I can only speak of El Salvador. Airfare is about $600 roundtrip. You would need a work permit, since you know english you can get a job at a call center, I think Dell operates one in San Salvador. Get yourself an A+ Certifica...

Stay in Brooklyn. Check out these neighborhoods, Fort Greene, Clinton Hill, even Bed-Stuy along the A, C lines. any stop between High St and Nostrand Ave. Within this zone you can get to Manhattan between 5 to 15 minutes max.

I'm not budging. I'm mostly in stocks. When I hear professionals speak I listen but according to my situation. Everyone's situation is different. I'm staying the course, I believe these financial professionals have enough money to shuffle their funds and not get hurt too much. I for one don't have t...

Thank you all for your help. When it comes to investing, savings etc. my friend's attention does not hold for long, he knows it is important but he can easily ignore it and go to something else. He is an aspiring musician. His passion and attention comes out when it is about music but investing not ...

I have a coworker who contributes to his 401k. We both work in the same company, his portfolio is set up where he has a small portion allocated in a Fidelity money market fund and the rest in a Freedom fund. He wasn't aware of which one is it. He wants to invest but he wants to set it and forget it....

I wish the SNP 500 did 12% or better every year. That the returns would never ever fall below 12% every year and that it would be as predictable as seeing the stars in the sky so we wouldn't have any worry. Alas that is only a pipedream.

Just like other active managers maybe Dave believes in his investment philosophy so much because it has worked for him all these years. If someone were to start investing his way now well it might not be a good idea (1980's compared to the 2000's 2 different worlds in my opinion) Maybe I'll send him...

Dave is still the man in my book. Listening to him helped fix my finances. There are just some things that never changes otherwise Wall Street would be all about passive investing but everyone knows that would certainly never happen.

I love Dave and I think I should send him the Bogleheads Guide to Investing book. Yesterday he was encouraging people to invest. On Twitter he posted 2 funds he says he puts his money in. The ticker symbols for these are AIVSX and AGTHX two growth funds. I compared these funds to the Fidelity Sparta...

It may not be a bad idea to invest. You already been there a year. Contribute up to the company match. when you go to another company or field you can always transfer the funds to another brokerage house when you leave I contribute to my company's 401k and been working at the same place for 6 years ...

Do not worry about when it is a good time to buy. If you are saving for retirement then the most important thing is to save no matter if the market is up or down. Do not time the market, pick stocks, pick expensive mutual funds. Do invest in index funds, save periodically, keep it simple, and rebala...

I like this topic. I was always interested to know any success stories people had about their stock picks. Unfortunately there were only a few wins. I read one story of a member of this forum who was given over $1,000 worth of McDonalds stocks when he graduated from high school. It grew so much that...